Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$221,688Cash toward the purchase price.
Closing costs + prepaids$10,555Not just lender fees.
Before credits & paid funds$232,243The complete starting cash picture.
Estimated remaining funds due at closing
$232,243No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$221,687.97
Your down payment$221,687.97
Closing costs + prepaids$10,555.34
Total buyer cash needed$232,243.31
Remaining funds due$232,243.31
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$3,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$766.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$478.75
Prepaid interest, first (24 days)$343.53
Fees + prepaids$10,555.34
Your down payment is the seller’s equity. You take over the $153,212 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $232,243.31 is due at closing. Uses and sources reconcile at $385,455.34 each. Not a Closing Disclosure.